金融管理專員對四間銀行罰款共4,420萬元 涉盡職審查缺失等
金管局宣布,已根據《打擊洗錢及恐怖分子資金籌集條例》(第615章)(《打擊洗錢條例》)完成對四間銀行的調查及紀律處分程序。金融管理專員對中國建設銀行(亞洲)股份有限公司(建行亞洲)、中國信託商業銀行股份有限公司香港分行(中國信託香港)、中國工商銀行(亞洲)有限公司(工銀亞洲)及UBS AG香港分行(UBSHK)處以合共4,420萬港元的罰款,並按需要發出糾正相關違規情況的命令。
具體而言,上述四間銀行沒有透過恆常客戶盡職審查以履行持續監察業務關係的責任;其中中國信託香港沒有採取適當覆核措施,以確保其所取得有關客戶的文件、數據及資料反映現況及仍屬相關;而建行亞洲、工銀亞洲及UBSHK沒有及時就某些客戶進行定期覆核。
至於在某些洗錢/恐怖分子資金籌集可能出現高度風險的情況,中國信託香港及工銀亞洲沒有就部分客戶遵守以下規定:(i)採取合理措施以確立有關客戶或實益擁有人的財富來源,及該業務關係所涉及的資金來源;或(ii)採取額外措施以減低所涉及的洗錢/恐怖分子資金籌集的風險。
此外,上述四間銀行均沒有遵守要求,設立及維持有效措施以履行《打擊洗錢條例》有關持續客戶盡職審查的責任;其中建行亞洲就須作出審查的交易警示採用的甄選準則過於局限,而UBSHK的缺失則包括在抽取到期進行定期覆核的客戶風險狀況方面存在系統錯誤。
金管局助理總裁(法規及打擊清洗黑錢)朱立翹稱,銀行在打擊洗錢及恐怖分子資金籌集生態系統中擔任『龍門』的重要崗位,就《打擊洗錢條例》及《打擊洗錢及恐怖分子資金籌集指引》訂明的法律及監管要求負有責任,有關做法安排亦符合國際標準。上述四宗個案是在《打擊洗錢條例》生效後發現有關缺失,而當時銀行業界對該條例的了解及掌握較為有限。至今香港銀行業界,包括有關銀行,已顯著加強金融罪行相關法例合規能力,特別是在程序、管控措施及人員配置方面的改進。銀行應參考這些個案例子,檢視數據質素及相關交易監察系統的成效,並持續採取適當措施以減低風險。
展望未來,金管局預期業界會持續進步,同時銀行就打擊洗錢及恐怖分子資金籌集工作所採取的「風險為本」方法應繼續建基於其對風險變化的最新了解、運用更佳質素的數據、採用合規科技和負責任地進行創新,以及與生態系統內各持份者保持緊密合作。
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